Important Risk Weighted Assets

Important Risk Weighted Assets

Assets/Claim			Risk Weight
Fund/non-fund based loan/claim of (i) Central Govt.or(ii)State Govt. or (iii) loans guaranteed by Central			0%
Govt.
(i)Loans guaranteed by State Govt. (ii)Claims on ECGC			20%
Claim on (i)RBI,(ii) DICGC,(iii)Credit Guarantee Fund Trust for MSE and (iv)CRGFTLIH.			0%
Claims on Foreign Sovereigns /	Foreign Central Banks	with	0%

              to AA rating from S&P/India Rating /Moody‘s (it is 20% for A,50% for BBB,100% for BB and B ,150% for below B and 100% for unrated

Claims on foreign public sector enterprises AAA to AA rating from S&P/Fitch /Moody‘s (it is

20%

50% for A,100% for BBB to BB ,150% for below BB and 100% for unrated

Claims

on

Bank

for

International Settlement,International MonetaryFund

and

20%

Multi-lateral

development banks like BIS,IMF,MDB etc)

Regulatory Retail Loans including education loans (excluding housing loans).Retail loan means (i)max

75%

amount ` 5 cr(ii) max loan to single party 0.2% of overall retail loans portfolio or (iii) annual turnover for

small business less than ` 50 cr)

(a)Individual House loans:

(i)Upto ` 30 lac with Loan to Value(LTV)ratio of less than or equal to 80%

(ii) Upto ` 30 lac with Loan to Value(LTV)ratio of more than 80% but less than or equal to 90%

35%

(iii)Above

`

30

lac

and

upto

`   75

lac

with

Loan

to

50%

Value(LTV)ratio of less than or equal to 75%

35%

)

Above ` 30 lac and upto ` 75 lac with Loan to Value(LTV) ratio of more than 75% but less than or

equal to 80%

)

Above ` 75 lac with Loan to Value(LTV)ratio of less than or equal to 75% (vi)Commercial Real

50%

estate –Residential Housing

75%

(vii)Commercial Real Estate

75%

Capital Market exposure including loan to individuals against shares, credit cards, personal loans

125%

consumer loans

Unsecured portion of NPA where provision is less than 20%

150%

(It is 100% if provision is atleast 20% and 50% if provision is atleast 50%)

Claims on Venture capital funds

150%

Staff loans secured by mortgages or charge on superannuation benefits

20%

Other staff loans (being part of regulatory retail)

75%

Consumer

credit

including personal loan but

excluding educational loan

125%

Claim

on

NBFC-ND-Sis (Non

Deposit taking Systemically Important NBFCs)

100%

Claims on All scheduled Banks

Level

of

CRAR  (%)

of

Investments

within

10%

limit

referred

for

other claims

Investee Bank

computing capital funds

9 and above

Higher of 100% or the risk weight as per the rating of

the

20%

instrument or counter party

6 to< 9

150

50

3 to 6

250

100

0 to 3

350

150

Negative

625

625